For those who are new to home buying, when buying a new home, they all want to know the specific process of buying a home, so that they can have a good idea when buying a home and don’t have to worry about being involved by the developer. If you go by nose, what are the house buying process and precautions?
1. New house buying process
1. Select a house
Do a good job of buying a house In the preliminary preparation work, after inspecting several real estate properties, everyone may have a general direction for choosing a house. At this time, you can compare the properties that you like more and select the one that meets your requirements.
2. Developer information query
The choice of developer directly affects the quality of life in the future, so this step is very important. Of course, it is not a purposeless query. To get effective information, you need to go through newspapers, the Internet, and friends.
3. Sign a house purchase contract
When signing a contract, the text used by the owner must comply with the national standards for house purchase contracts. Never use the contract text developed by the developer itself. , to avoid contract fraud. When signing a house purchase contract, owners must carefully read every clause in the contract, especially the payment method, purchase amount and house area, etc., to avoid conflicts between the clauses.
4. Choose the payment method
You can choose the payment method according to your actual situation. You can choose to pay in installments with a bank loan or pay in one lump sum. Housing loans are divided into commercial loans, provident fund loans and combination loans. You can choose the loan method that best suits you.
5. House purchase notarization and insurance
After purchasing a house, don’t forget to obtain notarization and insurance for your new home. This is an essential step in the house purchase process in China.
6. Registration of property rights transfer
After purchasing a house, you must immediately go to the housing authority to complete the property rights transfer procedures. Only after completing the property rights transfer procedures and obtaining the property rights certificate can you Once you obtain the ownership of the house, if there is a problem with the property rights of the house, you can get legal protection and file a claim against the seller.
7. Handover and move-in
After everything is settled, everyone only needs to wait for the house to be handed over. After the house is handed over and decorated, you can move into the new house.
2. Things to note when buying a new house
1. The developer has legal development and operation qualifications, which means that the developer must have a "Real Estate Development Enterprise Qualification Certificate" and a "Enterprise Legal Person" Business License", and the business must be within the scope of qualification regulations.
2. The procedures for development and construction must be legal, that is, the project developed by the developer must obtain a "Construction Project Construction Permit", "Construction Project Planning Permit", "Construction Land Planning Permit" and "Land Use Rights Certificate" is indispensable.
3. Legal business activities must not only determine the completion time of greening, gas supply, power supply, drainage and other supporting construction, or that these supporting constructions have been completed, but also do a good job in property management and demolition and resettlement work. , in addition, you also need to obtain the "Commercial Housing Pre-Sale License".
4. When handing over the house, you need to ask for the "Residential Quality Guarantee" and "Residential Instruction Manual" from the developer. In addition, after applying for the "House Ownership Certificate", you also need to apply for the "Land Use Rights Certificate".
Summary: The process and precautions for buying a house are as above. I would like to remind everyone that when buying a house, you must pay attention to the things that should be paid attention to, especially the understanding of the qualifications of real estate developers, and the documents must be complete and cannot be missing any One, so as not to cause unnecessary trouble to yourself.